Habor Lending Privacy Policy
At Harbor Lending, your trust and the security of your information is very important to us. This Privacy Policy explains what we do to protect and maintain your information and how you can limit the information we share with others.
"Site" refers to this website (harborlending.com) and its related services. "You" or "User" refers to a visitor or registered user of this Site. "Harbor Lending" or "We" refers to Nextres LLC, conducting business as Harbor Lending.
Links to Other Sites
Harbor Lending is not responsible for the privacy practices or content of any other websites to which we link or are linked. We encourage you to read the posted privacy statement whenever interacting with any website.
Information We Gather
We collect nonpublic personal information about you, including:
Information we receive from you on applications, online registrations, or other forms such as your name, address, phone number, email address, assets, income, and debt.
Information about your transactions with us, our affiliates, or others, such as account balance, transaction history, and records of our communications with you.
Information about your creditworthiness, credit history, and other facts we obtain from consumer reporting agencies or providers of marketing and demographic information.
Information about your employment history, past real estate transactions, property insurance coverage, and related details.
Automatically Gathered Information
Harbor Lending automatically collects browser type and software version to tailor the presentation of our services and maintain a record of activity on the Site. We may also use cookies to enable users to specify preferences and track trends. You may disable cookies via your browser preferences, though some parts of the Site may not function as effectively as a result.
Our web server software records a log file of IP addresses that access the Site. We collect IP address information but do not ordinarily link IP addresses to individual users. However, we can and will use IP addresses to identify a user when we determine it is necessary to enforce compliance with our Terms and Conditions or to protect our service, Site, customers, or others.
Tracking Technologies and Third-Party Analytics
Our Site uses third-party tracking tools to understand how visitors interact with our website, measure the effectiveness of our communications, and improve our services. The following tools are currently active on this Site:
Google Analytics (GA4). We use Google Analytics to collect information about Site usage, including pages visited, time spent on the Site, and general geographic location. Google Analytics uses cookies and similar tracking technologies. The data collected is aggregated and does not personally identify individual users. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on available at tools.google.com/dlpage/gaoptout.
HubSpot. We use HubSpot for website analytics, contact form management, and CRM tracking. HubSpot may set cookies on your browser to identify return visits, track form submissions, and associate your activity with a contact record if you have submitted a form on our Site. Information collected through HubSpot is stored and processed in accordance with HubSpot's Privacy Policy.
Meta Pixel (Facebook Pixel). Our Site uses the Meta Pixel, a tracking technology provided by Meta Platforms, Inc. The Meta Pixel collects information about your visits to our Site and may associate that information with your Facebook or Instagram account if you are logged in to those platforms. This data is used to measure the effectiveness of our content and communications. You can manage your Meta ad preferences at facebook.com/ads/preferences.
None of these tools are used to sell your personal information. Data collected through these tools is used solely to improve our Site and communications. To opt out of interest-based advertising more broadly, visit optout.aboutads.info or youronlinechoices.eu.
Information Use and Disclosure
Protecting the confidentiality and security of your information is one of our most important responsibilities. Only those persons who need access to your information to perform their job responsibilities are authorized to access it. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic, and procedural safeguards.
We share your information with others as required by law or as necessary to obtain credit approval for your loan.
With Third Party Service Providers
We do not share data with third parties for marketing or promotional purposes. We may work with non-affiliated companies to provide services in connection with obtaining approval for your loan. For your protection, we require that these companies keep all personal information confidential.
We may also disclose information as permitted by law, including to regulatory authorities and law enforcement officials, to protect against fraud, to report activity to credit bureaus, or to respond to a subpoena.
Text Message Communications
How We Use Text Messaging
Harbor Lending (Nextres LLC, NMLS #2321794) may send text messages to individuals who have provided their phone number and opted in to receive SMS communications. Text messages are used exclusively for transactional and operational communication, including loan status updates, document requests, and follow-up coordination. We do not use text messaging for promotional campaigns or unsolicited outreach.
Consent
By checking the SMS consent box on our contact form, you agree to receive text messages from Harbor Lending at the phone number you provide. Consent is not required as a condition of any purchase or service. Standard message and data rates may apply.
Opting Out You may opt out of text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a single confirmation message and no further texts. To opt back in, contact us at Info@harborlending.com or 833-734-1038.
HELP Requests Reply HELP to any message to receive sender identification and contact information.
Message Frequency Message frequency varies based on the status of your active file or inquiry. Most contacts receive fewer than five messages per transaction.
Data Use Phone numbers collected for SMS purposes are not sold or shared with third parties. They are stored securely in our CRM and used solely for the communication purposes described above. For questions about how we handle your information, contact us at Info@harborlending.com.
Opting Out
You may direct us not to share your information by contacting us at 1-833-734-1038 or Info@harborlending.com.
Registration Information
We use nonpublic personal information for our own internal purposes, including contacting you to inform you about updates to our services. We reserve the right to disclose your information as required by law. We do not rent or sell user information to third parties.
Security
We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.
Do Not Track
Harbor Lending and other parties may collect nonpublic personal information about your online activities over time and across different websites when you use our Site. Industry standards regarding Do Not Track requests are still evolving and there is currently no set industry standard for handling such requests. If you have questions regarding our internet tracking methods please contact us.
Correcting or Updating Your Information
To correct or update your information, please contact us at Info@harborlending.com.
Contact Us
If you have any questions about this Privacy Policy or the practices of this Site, please contact us at:
Nextres LLC dba Harbor Lending
NMLS 2321794
12 Penns Trail, Suite 138, Newtown, PA 18940
Email: Info@harborlending.com
Phone: 833-734-1038